Down payment assistance in Florida

There's public help for your home that many buyers never use.

Florida has more than 100 local plans that help families with the down payment and closing costs, including first-time home buyer programs, and most families who qualify never use them. We find the ones that may apply to you, may add a closing credit from our commission and tell you the month you may be ready to buy.

Find my money helpHow it works

Free for you, always. No email needed to start.

Fund2Home app screen: the estimated month you may be ready to buy

A mother, a father and their two children sit on the floor against a white brick wall; the parents join their hands above the kids like a roof.

Equal Housing Opportunity · Photo for illustration. The people in it are not Fund2Home clients.

What you need to know, in thirty seconds

The help already exists

4 in 5

FHA home loans could have qualified for down payment help (Urban Institute and Down Payment Resource, 2022 data). Fewer than 1 in 5 FHA buyers used help from a government program (HUD, fiscal year 2025); many never knew it existed. In Florida, we estimate about 120,000 families a year qualify for down payment help and buy without it.

These two figures don't measure the same thing. “4 in 5” and “1 in 5” are national shares of FHA loans: Urban Institute and Down Payment Resource (2023, 2022 HMDA data, 10 largest U.S. metros); HUD, FHA Annual Report, FY 2025. “120,000” is our yearly count of Florida households: 343,750 home purchase loans in Florida in 2025 (Shimberg Center, University of Florida, HMDA data), times the 43.6% of all purchase loans that could qualify, measured in the 10 largest U.S. metros (Urban Institute and Down Payment Resource), times about 4 in 5 who don't use it, the rate for FHA buyers (HUD; conventional buyers use it even less).

We never charge you

No fee, no subscription, nothing. We only get paid when you get your keys, from the commission the seller already pays, and we share it with you.

We tell you the month

Your date

Not “someday.” The month you may be ready to buy, what stands between you and it, and what each step is worth in dollars.

Where the help comes from

Those who bought before help those who buy next.

In Florida, part of the tax paid on every home sale funds the local homebuyer programs of each county and city (the Sadowski Act and SHIP). It isn't a gift and it isn't charity: it's how a community helps its next homeowners get started.

How the help works

One family, one example

On a $420,000 home, an estimated $12,700 at the closing table

≈ $2,700

estimated closing credit from Fund2Home, earned goal by goal

$10,000

from one public assistance program, Florida Assist, if the program applies to you and funds are available

≈ $12,700

estimated in total

An estimate of a closing credit, paid from the commission the seller pays only if you sign a buyer representation agreement with Miami New Realty and close with our team. It isn't a balance.

Example: a $420,000 home with an FHA loan and 3.5% down, and a 2% buyer's agent commission. Florida Assist is a second mortgage at 0% with no monthly payment. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. It's for first-time buyers, with income and loan amount limits. Your numbers depend on your home, your household and your county.

Families we walk with

What it looks like for a family

These are examples built with our own numbers, not testimonials: we don't have clients yet. When the first family reaches its keys, its story goes here, with its name only if it gives us written permission.

See more families

Example built with our numbers

A teacher and a line cook

Miami-Dade County · a couple with one child

They pay $2,100 a month in rent today.

Together they earn $8,000 a month and save $600 a month; they have $9,000 saved.

The home: about $225,000, with a payment of about $2,098 a month.

Estimated date to buy

In 5 months

$15,750

estimated at the closing table

$15,000

Miami-Dade Housing Finance AuthorityTerms not stated

The plan doesn't say whether this is forgiven or paid back, so we don't say either.

$750

Fund2Home creditEstimated closing credit

Earned goal by goal. An estimate of a closing credit, paid from the commission the seller pays only if you sign a buyer representation agreement with Miami New Realty and close with our team. It isn't a balance.

Our estimate counts one program per purchase: Miami-Dade Housing Finance Authority, $15,000.

Other options, not added to the estimate: Florida Assist (FL Assist), $10,000 · FL HFA Advantage PLUS, $6,548 (with a conventional loan).

Rate: about 7.5%, the Freddie Mac average plus a lender's margin for the credit score, October 2026.

This help exists and is confirmed. What we don't know is whether there's money in it this month.

From “I want a home” to the keys

No one is turned away

Two questions, and none of the answers is a “no.” Everyone gets an estimate on day one.

We find the help that may fit you

We match your household with the plans of your county, your city and the state, checked by a person against the official document.

Your date

The month you may be able to buy, or the steps that would get you there. Once a month, on the 1st, we update it and tell you which step moves it closer. If a program's rules or figures change in between, it can move too.

All the way to the keys

When your date arrives, we represent you and your credit can reach you at the closing table.

Fund2Home app dashboard with the estimated date to buy

What you see in the app: your date and the assistance and closing credit that may apply to your home. Example household.

Down payment assistance in your county

Every county in Florida has its own plans. Choose yours and see which ones exist, what kind of help they give and where the official document is.

See every county with its page

Open in Florida

See your estimate, today

Tell us about the home you want. In a few minutes we estimate the month you may be ready and the public assistance and closing credit that may apply if you buy with us. No email needed to start, and you never pay us a fee.

Find my money help

The help already exists. We help you find it and apply. We share part of our commission.

Your effort. Your home.

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